Boston Injury Lawyer Blog
When you file a personal injury claim, you expect the insurance company to fairly compensate you for your losses. Unfortunately, insurance companies often prioritize protecting their bottom line over fairly compensating accident victims. However, knowing the tactics they use to deny or undervalue claims can help you safeguard your rights and ensure you receive the compensation you deserve.
Common Strategies Insurance Companies Use to Undermine Claims
- Delaying the Claims Process
One common tactic is to delay processing your claim, hoping you’ll become frustrated and accept a low settlement. Prolonged delays can create financial strain, especially if you’re dealing with medical bills or lost wages. Some claimants may even abandon their claim altogether due to frustration with the drawn-out process.
- Questioning the Severity of Your Injuries
Insurance companies may argue that your injuries are not as severe as you claim. They could request excessive documentation or use independent medical exams (IMEs) to challenge your medical diagnosis and treatment. By minimizing the impact of your injuries, they attempt to reduce the amount they owe you.
- Blaming You for the Accident
Another tactic is to shift responsibility onto the claimant. Massachusetts is a modified comparative negligence state, meaning your compensation can be reduced if you are found partially at fault. If the insurance company can argue you share blame for the accident, they may significantly reduce or even deny your claim.
- Lowball Settlement Offers
After an accident, insurance companies might offer a quick settlement that seems reasonable at first glance but is far below what you’re entitled to receive. They rely on the fact that many claimants are unaware of the full value of their claim or feel pressured to accept due to immediate financial needs.
- Misinterpreting Policy Language
Insurance companies may exploit confusing or vague language in their policies to deny coverage. They could claim that certain damages or injuries are excluded under the policy, even when that interpretation is debatable. Without a thorough understanding of insurance policies, claimants might accept these denials without challenge.
Protecting Yourself Against Insurance Company Tactics
It’s important you take certain steps to prevent the insurance company from taking advantage of you, including:
Document Everything
Keep detailed records of all correspondence with the insurance company, including phone calls, emails, and letters. Additionally, maintain thorough documentation of your injuries, medical treatment, and related expenses to support your claim.
Avoid Speaking Without Legal Counsel
Insurance adjusters may try to get you to make statements that could be used against you. Be cautious when discussing your case and avoid admitting any level of fault. Consulting with an attorney before giving a recorded statement is essential.
Do Not Accept the First Offer
Initial settlement offers from insurance companies are often far below the claim’s true value. Consult with an attorney to evaluate the offer and determine whether it adequately covers your damages, including future medical expenses and lost wages.
Hire an Experienced Attorney
Insurance companies have teams of professionals dedicated to minimizing payouts. Level the playing field by hiring a personal injury attorney who understands their tactics and can advocate for your rights.
Why Legal Representation is Crucial
Dealing with insurance companies can be overwhelming, especially while recovering from an injury. An experienced attorney can assess your claim’s full value, negotiate with insurance adjusters, and, if necessary, take your case to court. With the right legal support, you can focus on healing while your attorney handles the complexities of your claim.
Contact Altman & Altman, LLP Today
If you’ve been injured in an accident, don’t let insurance companies take advantage of you. The personal injury attorneys at Altman & Altman, LLP, have extensive experience handling claims and fighting back against unfair insurance tactics. Call us today at 800.481.6199 or reach out through our secure online contact form to schedule your free consultation. Let us help you secure the compensation you deserve.
